Life begins at 55

We provide 100% unbiased and impartial guidance
across the annuities and equity release sectors to
anyone aged 55 and over.

Click below for your instant quotes:

Equity Release or Pension Annuity

Annuity Click - Retired Couple

provider logos – the Over 55 Finance Specialists


What is an Annuity?

When you reach your retirement age, your pension doesn’t automatically start paying you an income. You have to convert it to a product such as an Annuity, and it’s this Annuity which will then pay you a regular income for a fixed term, chosen by you, or for the rest of your life.

How does an Annuity work?

When you convert your pension pot into an annuity you get a guaranteed income and also the option of a 25% tax free lump sum to be spent however you wish. An Annuity also has the added option of being paid to a spouse or partner upon your death.

How much can I get from an Annuity?

There are a huge number of factors that can dramatically alter how much income you receive from your Annuity, these range from medical conditions, life style, and even geography. The only way to get an accurate figure is to take all of these factors into account with a complete quote.

How do I get an Annuity?

You can get a rough estimate of how much you can get in retirement by using our free online calculator, but if you would like a more accurate comparison from our whole of market panel*, we also offer a completely free and impartial review through our friendly call centre.

Annuity Calculator

*Our panel consists of all providers in the whole of the market that are potentially prepared to offer you a higher income in retirement.

**We have a restricted panel of fixed term annuity providers that are potentially prepared to offer you an alternative retirement option.

Equity Release

What is Equity Release?

Equity Release is simply a way of taking money out of your property. The difference between the value of your house and what you owe on it (if anything) is called the Equity. Equity Release is simply the process of releasing this money for you to spend however you wish.

How does Equity Release work?

This is achieved by us undertaking a free and impartial financial review, where we look at your current financial situation and propose a number of options available to you. You choose the best option – we simply take care of the rest.

How much can I get from Equity Release?

That depends on your age and the value of your house. For example a 65 year old can release 30% of equity, without the need for any checks. If this is not enough we also have alternative schemes that can lend you up to four times your income.

How do I Release Equity from my home?

For your free financial review which will cover not just Equity Release but also all other options available to you, just give our friendly call centre a call – there’s no obligation and no cost to you to find out how much better off you could be in your retirement.

Equity Release Calculator